Search found 379 matches

by goaties
Wed Aug 05, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: AAA auto renewal - when?
Replies: 9
Views: 271

Re: AAA auto renewal - when?

The last time I signed up for AAA, I inadvertently signed up for automatic renewal. The time for auto renewal has drawn near and I don't think I want to do so. I just went to the website and I don't see any way to "pre-cancel" without having said cancellation become immediately effective. So... que...
by goaties
Wed Aug 05, 2020 9:20 am
Forum: Personal Consumer Issues
Topic: AAA auto renewal - when?
Replies: 9
Views: 271

Re: AAA auto renewal - when?

The last time I signed up for AAA, I inadvertently signed up for automatic renewal. The time for auto renewal has drawn near and I don't think I want to do so. I just went to the website and I don't see any way to "pre-cancel" without having said cancellation become immediately effective. So... que...
by goaties
Wed Aug 05, 2020 9:18 am
Forum: Personal Consumer Issues
Topic: AAA auto renewal - when?
Replies: 9
Views: 271

Re: AAA auto renewal - when?

you can remove the auto renewal... They will send you a paper bill... don't pay it and it will cancel. I have not seen a way to do that, despite my many minutes of searching through screens. I don't want to automatically re-charge my credit card by mistakenly clicking on something. The renewal scre...
by goaties
Wed Aug 05, 2020 9:13 am
Forum: Personal Consumer Issues
Topic: AAA auto renewal - when?
Replies: 9
Views: 271

AAA auto renewal - when?

The last time I signed up for AAA, I inadvertently signed up for automatic renewal. The time for auto renewal has drawn near and I don't think I want to do so. I just went to the website and I don't see any way to "pre-cancel" without having said cancellation become immediately effective. So... ques...
by goaties
Mon Jul 27, 2020 8:08 am
Forum: Personal Consumer Issues
Topic: Mattress toppers....
Replies: 33
Views: 1755

Re: Mattress toppers....

Personally I could seep on a concrete floor. Seeping in a bed or on a concrete floor is not a good thing. Okay, I'll bite. Where do you sleep? I think atikovi was having fun with the typo "seep". I laughed out loud. Thanks! I found that I can only tolerate latex toppers because the smell of foam to...
by goaties
Mon Jul 20, 2020 3:55 pm
Forum: Personal Consumer Issues
Topic: cheap, easy, temporary heat blocking stuff for windows?
Replies: 44
Views: 2435

Re: cheap, easy, temporary heat blocking stuff for windows?

Got any mylar wrapping paper? Silver side out, like you see on automobile windshield sunscreens.
by goaties
Sun Jul 12, 2020 4:29 pm
Forum: Personal Consumer Issues
Topic: whole house water filter -- do you have one? if so, share details
Replies: 16
Views: 957

Re: whole house filter -- do you have one? if so, share details

OP is referring to a whole house water filter. Since he is on municipal water (as opposed to a well), you can be sure that the city has cleaned and disinfected the water appropriately. The report shows that. So, if you are getting orange stains, it is because there is iron oxide in the water. That ...
by goaties
Sun Jul 12, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 185
Views: 19256

Re: Pandemic buys that have improved quality of life?

I did the CBS All Access signup too (unsubscribed as of now). I thought the Star Trek Picard was just meh. However, stumbled upon another original series which I enjoyed greatly called "One Dollar". Check it out. I finished watching the “One Dollar” series recently and enjoyed it a lot. I went to c...
by goaties
Sun Jul 12, 2020 4:06 pm
Forum: Personal Consumer Issues
Topic: whole house water filter -- do you have one? if so, share details
Replies: 16
Views: 957

Re: whole house filter -- do you have one? if so, share details

OP is referring to a whole house water filter. Since he is on municipal water (as opposed to a well), you can be sure that the city has cleaned and disinfected the water appropriately. The report shows that. So, if you are getting orange stains, it is because there is iron oxide in the water. That i...
by goaties
Mon Jun 08, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: Does Buying an RV make sense?
Replies: 97
Views: 6404

Re: Does Buying an RV make sense?

I have done the same math myself several times. Back 20 years ago, you could rent RVs (particularly truck campers) fairly affordably, but now, no way. Owning an RV can also be an expensive proposition. I'm sure other RV owners will pipe up with their experiences. If you could find a decent used one,...
by goaties
Sun Jun 07, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: Cheaters [ground plug adapters]-- how do deal with them, how to find them when you need them
Replies: 34
Views: 2503

Re: Cheaters -- how do deal with them, how to find them when you need them

Why not keep one permanently plugged into each outlet which needs one?
by goaties
Wed Jun 03, 2020 11:02 pm
Forum: Personal Consumer Issues
Topic: What cellphone plan do you recommend?
Replies: 60
Views: 3874

Re: What cellphone plan do you recommend?

I just extended my plan with Tracfone for another year. I used a promo code to take $50 off the $125 smartphone plan. Including taxes, I ended up paying $80.77 for 1500 minutes + 1500 texts + 1.5 GB. That works out to $6.73 / month. This will take me to June 12, 2021. Promo codes! I'd forgotten abo...
by goaties
Tue Jun 02, 2020 11:07 am
Forum: Investing - Theory, News & General
Topic: Where to park cash in Fidelity?
Replies: 94
Views: 10108

Re: Where to park cash in Fidelity?

I read an article today on the TIAA website where negative interest rates may be possible by December. Incredible. If that occurs, I will end up moving to a limited or short term bond fund. When this happens, does that mean that money market funds will "break the buck"? Wouldn't there be a lot of d...
by goaties
Tue May 26, 2020 12:33 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 185
Views: 19256

Re: Pandemic buys that have improved quality of life?

I got a subscription to CBS All Access which included the first month for free. I watched the new Star Trek shows (Picard and a couple of seasons of Discovery) and Twilight Zone. I enjoyed the Star Trek but they just don’t make Twilight Zone like they used to. Anyway, it’s been enjoyable and the pr...
by goaties
Thu May 21, 2020 10:28 am
Forum: Personal Consumer Issues
Topic: Safely disinfecting frozen food packages from corona virus?
Replies: 51
Views: 3796

Re: Safely disinfecting frozen food packages from corona virus?

I'm glad this thread was re-opened because I wanted to post this scientific abstract which, in a nutshell, describes how to preserve viruses. Of course, we want to do the opposite: https://pubmed.ncbi.nlm.nih.gov/10934522/ After reading this, I have to agree with some previous posters: the best and ...
by goaties
Wed May 20, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: Safely disinfecting frozen food packages from corona virus?
Replies: 51
Views: 3796

Re: Safely disinfecting frozen food packages from corona virus?

I did not understand this FDA statement, what is the difference between touching a door handle and touching a contaminated food package, they both have the potential of infecting you if you self inoculate. Indeed. I consider this statement to be as useful as the previous advice we were given that m...
by goaties
Wed May 20, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: Safely disinfecting frozen food packages from corona virus?
Replies: 51
Views: 3796

Re: Safely disinfecting frozen food packages from corona virus?

It may indeed be overkill, but as a person who cannot seem to keep from touching my face, I do worry about transfer. We know that viruses are preserved by refrigeration or freezing, so I do disinfect items destined for fridge or freezer. I use 91% isopropyl squirted onto a square of paper towel. I w...
by goaties
Thu May 14, 2020 4:55 pm
Forum: Personal Consumer Issues
Topic: Moving Furniture Yourself
Replies: 40
Views: 3002

Re: Moving Furniture Yourself

I use a furniture dolly with 4 swivel wheels. I think they're now about $15 - $20 at Home Depot. Agreed. Lest you think it silly to purchase a dolly you'll only use once in a blue moon, it can also double as a rolling plant stand for a large indoor plant. (I put a small plywood sheet over the dolly...
by goaties
Wed May 06, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: 2020 travel plans
Replies: 95
Views: 4622

Re: 2020 travel plans

I am set to van camp, but the problem is that there are precious few places to go. State parks, national parks, even many forest service roads are closed. Van (or RV) camping is well-suited to covid-times as you can pretty much avoid other peoples' germs. Well, except for when you have to stop for g...
by goaties
Sat May 02, 2020 8:31 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 15746

Re: Coronavirus Flight Cancel Thread

Southwest called me and left a message: I could receive a refund for a flight which they had made significant change to. I called the number at 5am EDT, got right through. Told the nice lady I wanted a refund, not credit. She put me on hold for maybe three minutes. Came back and said I would see the...
by goaties
Wed Apr 22, 2020 7:40 am
Forum: Personal Consumer Issues
Topic: Best BH soap for C19 & least mess at sink
Replies: 27
Views: 1960

Re: Best BH soap for C19 & least mess at sink

Is anybody else wondering what toothpaste splatter is and how it might arise? Maybe someone has toddlers in the household? Oh this brought back memories. My mother was what I would call a "stand-up spitter". This did not have anything to do with stand-up comedy, believe me. Rather, after she brushe...
by goaties
Fri Apr 17, 2020 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Why not buy mobile homes instead of overpriced traditional homes?
Replies: 82
Views: 8945

Re: Why not buy mobile homes instead of overpriced traditional homes?

No one said it was a "Temporary" structure and no one said it "needed" to be replaced. I said he could... Life expectancy if taken care of is easily 50 yrs. I have seen mobile homes (singlewides) in a harsh climate which were upwards of 40 years old. The key is to protect them from water incursion....
by goaties
Fri Apr 17, 2020 1:22 pm
Forum: Personal Consumer Issues
Topic: Amazon pages often take long time to load
Replies: 17
Views: 1011

Re: Amazon pages often take long time to load

I have long had this problem. My theory is my low-cost internet which is just barely broadband. I use Firefox with lots of privacy stuff set also. Maybe that's a problem as well. Anyway, just a couple of my theories. It's enough to make me avoid Amazon unless as a last resort.
by goaties
Mon Apr 13, 2020 11:08 am
Forum: Personal Consumer Issues
Topic: Raised Garden Beds - Building Material
Replies: 40
Views: 2020

Re: Raised Garden Beds - Building Material

Fly ash (waste from coal-burning power plants) can be mixed into today's concrete blocks. They are not required to be labeled as such. Fly ash in itself is quite toxic. It is arguable how much toxin leaches into the soil of a raised bed from its surrounding blocks, but I wouldn't want to trust it. M...
by goaties
Sat Apr 11, 2020 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Why not buy mobile homes instead of overpriced traditional homes?
Replies: 82
Views: 8945

Re: Why not buy mobile homes instead of overpriced traditional homes?

If you are looking to place your mobile home in an area which is already heavily settled, then almost certainly there will be restrictions against placing one on any piece of land you might buy. I'm even having trouble finding parcels in northern NH/VT, a very rural area, which are unrestricted! Up ...
by goaties
Sat Mar 28, 2020 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 13064

Re: How are you going to use your stimulus money?

Exactly why this money should have been redirected to further top-off unemployment benefits for those no longer receiving a paycheck IMHO. Yeah, I agree with that. So, after sending a few hundred to our local food bank, the rest is going to a laid-off friend of mine who is teetering on the edge of ...
by goaties
Wed Feb 19, 2020 12:06 pm
Forum: Personal Consumer Issues
Topic: Having no luck finding a professional fiduciary
Replies: 46
Views: 4002

Re: Having no luck finding a professional fiduciary

My childless aunt found someone at her senior center to perform the very tasks I believe the OP is asking about. I have no idea of the specifics, but that might be a good place to start asking questions. There is a huge entrepreneurial opportunity here. The number of childless/niece-less/nephew-less...
by goaties
Wed Feb 12, 2020 4:33 pm
Forum: Personal Consumer Issues
Topic: Retirement: Filling the time?
Replies: 96
Views: 10597

Re: Retirement: Filling the time?

Why did I do this? Because it's what serial entrepreneurs do. :D We start things, then hire good people to do more and more of the things, and automate/delegate our way out of a "job". Sounds like you have a lot of expertise to share. Most towns of any size have a Small Business Center or SBA or so...
by goaties
Wed Feb 12, 2020 12:10 pm
Forum: Personal Consumer Issues
Topic: car key near thumb drive?
Replies: 14
Views: 1521

Re: car key near thumb drive?

So I'm updating my safe deposit box and I keep a key to my house and one of my car keys in there, for the convenience of my executor when the day comes. But wait. Aren't we always told to never leave stuff in a safe deposit box that the executor will need? Don't banks seal safe dep boxes once they ...
by goaties
Tue Feb 04, 2020 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance In Retirement
Replies: 32
Views: 3208

Re: Health Insurance In Retirement

Once retired what is the cost of health care? And how can it be the most cost friendly while also covering most out of pocket cost? Could a retiree budget $300 a month for medical per person be a reasonable ballpark? Well, maybe I can provide some reassurance. I am not nearly as wealthy as most Bog...
by goaties
Fri Jan 31, 2020 9:25 am
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 166
Views: 12088

Re: Cybersecurity and passwords

I'm not the biggest fan of Google, but they have arguably the best cyber security team on the planet, and they spend hundreds of millions on security improvements every year. There's no way ProtonMail, FastMail, Verizon, Comcast, or Joe's Email House can possibly compete with that. Are you referrin...
by goaties
Fri Jan 31, 2020 8:35 am
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 166
Views: 12088

Re: Cybersecurity and passwords

Since this thread has generated discussion between people who clearly know what they are talking about, I would like to ask a question: isn't your email address one of the most important elements in security? It seems to be the primary way in which passwords are reset. I have an email address which ...
by goaties
Tue Jan 21, 2020 3:32 pm
Forum: Personal Investments
Topic: GSE Bond AntiTrust Class Action Settlement
Replies: 10
Views: 1018

Re: GSE Bond AntiTrust Class Action Settlement

I too received this and am wondering about it. Filing requires giving up your name, address, and SSN. This information will go into some database somewhere whose security may or may not be up to snuff. Given the few dollars in "payout" one is likely to get, I consider it a poor trade for my private ...
by goaties
Wed Jan 15, 2020 8:16 am
Forum: Personal Consumer Issues
Topic: WellCare/Centene Merger: Is Bigger Better?
Replies: 3
Views: 472

Re: WellCare/Centene Merger: Is Bigger Better?

This is fascinating and angering at the same time. When managing my father's Medicare (he had Alzheimer's), I remember choosing not to sign him up for Part D at the time it was invented. It seemed to be yet another way for for-profit insurance companies to make more profit. I paid for his prescripti...
by goaties
Thu Jan 09, 2020 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102163

Re: Best CD rates thread

Is there any bank/CU that is at say the 75th percentile range ? The usual suspects (Ally, Marcus, Capital One, Purepoint) maybe ? My go-to list of such banks/CDs includes: Andrews, Mountain America FCU, Live Oak bank and Connexu. In the last few years they've tended to be toward the top consistentl...
by goaties
Sat Jan 04, 2020 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102163

Re: Best CD rates thread

BTW, it may have been covered in this thread before, but where do brokered CD rates typically fall vs bank CD rates ? Obviously, a lot of big bank CD rates are absurdly low to the point I wonder why they even bother to offer these CDs. But are brokered CDs typically 75th percentile or so compared t...
by goaties
Sat Jan 04, 2020 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Precious Metals - Selling Gold and Silver and Gains/Reporting
Replies: 24
Views: 1210

Re: Precious Metals - Selling Gold and Silver and Gains/Reporting

Contrary to a prior poster it is subject to capital gains tax, not ordinary income tax. It's just a higher maximum rate than, for example, a share of stock. Yup, I oversimplified based on my own tax situation and forgot about the general case. In the lowly 12% federal tax bracket where I live, capi...
by goaties
Sat Jan 04, 2020 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Precious Metals - Selling Gold and Silver and Gains/Reporting
Replies: 24
Views: 1210

Re: Precious Metals - Selling Gold and Silver and Gains/Reporting

Questions for you: 1. How do we find a reputable place to sell it? 1a. Can most places handle this volume? 2. Will we have to report this on my Mom's 2020 tax return when the time comes even if there is little to no gain? Thanks You are right that now might be a good time to sell. Prices for gold h...
by goaties
Sun Dec 01, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: Best laptop for shaded outdoor use
Replies: 3
Views: 325

Re: Best laptop for shaded outdoor use

livesoft wrote:
Sun Dec 01, 2019 10:38 am
Have you seen what the referees use to watch replays on a football field? I recommend that you do something similar. There is no laptop display that will work for you.
Well, that might account for the scarcity of articles which mention outdoor use!
by goaties
Sun Dec 01, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Best laptop for shaded outdoor use
Replies: 3
Views: 325

Best laptop for shaded outdoor use

I've spent days trying to find specs on laptops regarding matte vs. shiny vs. "anti-glare" and nits vs. contrast until I'm ready to scream. Turns out this information is spotty at best and I've been getting nowhere. Every time I think I have found something (e.g. Asus VivoBook) there are at least 40...
by goaties
Fri Nov 22, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: What does "get back on my feet" mean?
Replies: 84
Views: 7963

Re: What does "get back on my feet" mean?

I think that there is a financial aspect to all this (which does make it appropriate for our forum). Namely, it is clear that Sister has been scammed by her unscrupulous daughter/SIL. Those two may now be looking for new "marks". The OP has shown himself to be a soft touch, to say the least. This ma...
by goaties
Tue Nov 05, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102163

Re: Best CD rates thread

1) I am not completely seeing the benefit of the add on feature. Seems to me the only usage is to allow future deposit on a monthly basis. It doesn’t really help if one has a good amounts coming up periodically, say in 6, or 12 months. I set up the add-on feature just in case the 3.25% deal does no...
by goaties
Sun Nov 03, 2019 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Fell below ACA eligibility in Medicaid non-expansion state
Replies: 6
Views: 658

Re: Fell below ACA eligibility in Medicaid non-expansion state

Watty wrote:
Sun Nov 03, 2019 10:30 am
One more thought. He should also look at making a $2,000 contribution to a Roth so that he could get up to a $1,000 Retirement Savings Contribution Credit.
Oooh, nice catch. It's been so long since I've had earned income, I've forgotten about stuff like that.
by goaties
Sun Nov 03, 2019 8:48 am
Forum: Personal Finance (Not Investing)
Topic: No out of network coverage
Replies: 61
Views: 4147

Re: No out of network coverage

willthrill81 is correct - one needs to read their policy. Having said that, good luck. Mine is vague as hell . I think you will only be able to truly understand what is and is not covered is after you incur the costs and are fighting with the insurance company. +1 on the "vague as hell" part. I gue...
by goaties
Sun Nov 03, 2019 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Fell below ACA eligibility in Medicaid non-expansion state
Replies: 6
Views: 658

Fell below ACA eligibility in Medicaid non-expansion state

A friend has belatedly discovered that he has earned less than what is needed to qualify for ACA subsidy in our state, despite having the subsidy all year. He's part of the gig economy, so income prediction is well-nigh impossible anyway. Our state did not expand Medicaid, he has no kids, so the que...
by goaties
Thu Oct 24, 2019 12:29 am
Forum: Personal Finance (Not Investing)
Topic: ACA 2020 pricing [What's your 2020 pricing?]
Replies: 38
Views: 4666

Re: ACA 2020 pricing

Yeah, given the incredible diversity of insurance plans, averaging the premiums of such products means nearly nothing. I got a letter from my insurer: my rates are going down a bit BUT they are making the network smaller. So, paying less, getting less! I think the same stuff is going on with non-ACA...
by goaties
Sun Sep 08, 2019 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Equifax: can’t log in
Replies: 68
Views: 11453

Re: Equifax: can’t log in

I just discovered something about the mysterious "can't log in" problem. If I use Firefox, I get the usual "password is incorrect" or whatever it says. However, if I use Microsoft Edge, I can log in with no problem!

Hope this is of use to someone.
by goaties
Wed Aug 21, 2019 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Buying land - no metes and bounds description
Replies: 14
Views: 1091

Re: Buying land - no metes and bounds description

This is along the lines of what I was going to say. This isn't that uncommon in certain areas. OP, I noticed you said the legal description was "first" written in the 1940s -- is that the last time it was sold? In rural areas that tend to have low turnover & few "outsiders" buying, this is likely n...